What is COI tracking in a construction app?
COI tracking is the process of storing each subcontractor's Certificate of Insurance, monitoring the expiration date, and alerting the GC before the policy lapses. Workhand stores GL, Workers Comp, and Auto certificates per sub, then sends push and email alerts at 30, 14, and 7 days before expiration. An optional setting blocks a sub from being assigned to a job once their COI is expired.
When do COI expiration alerts fire?
Workhand fires alerts at 30 days, 14 days, and 7 days before any subcontractor COI expiration date. Alerts arrive as push notifications on iOS and Android, and as email to the owner and office staff. The alert names the specific sub, the specific policy (GL, WC, or Auto), and the exact expiration date so the next step is obvious.
What does it cost a GC when a subcontractor COI lapses?
If your GL insurer audits the policy at renewal and finds a sub working on your jobs without a valid COI on file, the auditor will reclassify that sub's labor cost as direct payroll. We have seen GL premium jumps of 28 percent on a single missed COI in pool construction. The same risk exists across remodeling, roofing, and general contracting. Tracking COIs is not paperwork, it is premium protection.
Can Workhand block me from using a sub with expired insurance?
Yes. There is an optional setting toggle that prevents a subcontractor from being assigned to a new job if their COI is expired. The toggle is off by default so you can roll out tracking before enforcement, then flip it on once your roster is clean. The block also surfaces a clear reason so the office knows exactly which policy needs to be refreshed.
Does COI tracking cost extra on Workhand?
No. COI tracking is included on every plan, including the Free plan. There is no per-sub cost, no per-document cost, and no separate add-on. Pro at 34.99 per month and Team at 89.99 per month unlock unlimited jobs and more users, but the COI tracking surface itself is universal.
What does the auditor-friendly export include?
The export is a PDF that lists every sub on your roster, the policies on file for each, the issuer, the effective date, the expiration date, and a thumbnail of the certificate itself. The format is built to match what a GL auditor asks for at renewal. Email it to your insurance broker or hand it to the auditor without rebuilding a spreadsheet from scratch.
Can my bookkeeper or office manager get the COI alerts too?
Yes. On Pro and Team plans you can invite office staff with email alert routing. The owner gets push and email by default. Office users get email alerts so the renewal chase does not fall on one person. Team plan supports up to 15 users so a full office can stay in the loop.
Does Workhand verify the COI is real or current?
Workhand stores the document the sub provides and tracks the expiration date you enter. It does not phone the insurer to verify the policy is still in force mid-term. For sensitive jobs we recommend you still call the issuing agent before mobilization, especially on Workers Comp where cancellations can happen between renewals. The point of Workhand is to never forget to ask, not to replace the agent call.
